Certificate of Deposit Disclosures

Important Account Information for Our Customers

7 Month CD Special

Rate Information - This Account is an interest bearing account. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for seven months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will not be compounded on the account. Interest will be credited to the account at maturity.

Balance Information - We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations - You must deposit $10,000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

Account Fees - The following fee applies to this account: Two Signatures Required : $29.95 per month.

Time Account Information - Your account will mature in seven months. If you withdraw any of the principal before the maturity date, we may impose a penalty of six months interest on the amount withdrawn. This account requires the distribution of interest and does not allow interest to remain in the account. This account will automatically renew. You will have 10 Days after the maturity date to withdraw funds without penalty. Your account will automatically renew at maturity. This account will renew for a regular 12 month certificate if not cashed at maturity or renewed for a different term within the 10 calendar day grace period. The renewal rate will be the same as the rate we are then offering on a regular 12 month certificate. You will have a grace period of ten calendar day(s) after maturity to withdraw the funds without being charged an early withdrawal penalty. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period, if any) or we receive written notice from you before maturity of your intention not to renew.

11 Month CD Special

Rate Information - This Account is an interest bearing account. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for eleven months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will not be compounded on the account. Interest will be credited to the account at maturity.

Balance Information - We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations - You must deposit $10,000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

Account Fees - The following fee applies to this account: Two Signatures Required : $29.95 per month.

Time Account Information - Your account will mature in eleven months. If you withdraw any of the principal before the maturity date, we may impose a penalty of six months interest on the amount withdrawn. This account requires the distribution of interest and does not allow interest to remain in the account. This account will automatically renew. You will have 10 Days after the maturity date to withdraw funds without penalty. Your account will automatically renew at maturity. This account will renew for a regular 12 month certificate if not cashed at maturity or renewed for a different term within the 10 calendar day grace period. The renewal rate will be the same as the rate we are then offering on a regular 12 month certificate. You will have a grace period of ten calendar day(s) after maturity to withdraw the funds without being charged an early withdrawal penalty. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period, if any) or we receive written notice from you before maturity of your intention not to renew.

12 Month CD Special

Rate Information - This Account is an interest bearing account. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for twelve months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will not be compounded on the account. Interest will be credited to the account at maturity.

Balance Information - We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations - You must deposit $100,000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

Account Fees - The following fee applies to this account: Two Signatures Required : $29.95 per month.

Time Account Information - Your account will mature in twelve months. If you withdraw any of the principal before the maturity date, we may impose a penalty of six months interest on the amount withdrawn. This account requires the distribution of interest and does not allow interest to remain in the account. This account will automatically renew. You will have 10 Days after the maturity date to withdraw funds without penalty. Your account will automatically renew at maturity. This account will renew for a regular 12 month certificate if not cashed at maturity or renewed for a different term within the 10 calendar day grace period. The renewal rate will be the same as the rate we are then offering on a regular 12 month certificate. You will have a grace period of ten calendar day(s) after maturity to withdraw the funds without being charged an early withdrawal penalty. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period, if any) or we receive written notice from you before maturity of your intention not to renew.

24 Month CD Special

Rate Information - This Account is an interest bearing account. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for twenty four months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded annually and will be credited to the account annually.

Balance Information - We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations - You must deposit $100,000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

Account Fees - The following fee applies to this account: Two Signatures Required : $29.95 per month.

Time Account Information - Your account will mature in twenty four months. If you withdraw any of the principal before the maturity date, we may impose a penalty of six months interest on the amount withdrawn. This account requires the distribution of interest and does not allow interest to remain in the account. This account will automatically renew. You will have 10 Days after the maturity date to withdraw funds without penalty. Your account will automatically renew at maturity. This account will renew for a regular 24 month certificate if not cashed at maturity or renewed for a different term within the 10 calendar day grace period. The renewal rate will be the same as the rate we are then offering on a regular 24 month certificate. You will have a grace period of ten calendar day(s) after maturity to withdraw the funds without being charged an early withdrawal penalty. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period, if any) or we receive written notice from you before maturity of your intention not to renew.

6 Month CD

Rate Information - This Account is an interest bearing account. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 6 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will not be compounded on the account. Interest will be credited to the account at maturity.

Balance Information - We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. You must maintain a minimum average daily balance of $1,000.00 to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Limitations - You must deposit $1,000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

Account Fees - The following fee applies to this account: Two Signatures Required : $29.95 per month.

Time Account Information - Your account will mature in 6 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of six months interest on the amount withdrawn. This account requires the distribution of interest and does not allow interest to remain in the account. This account will automatically renew. You will have 10 days after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term.

12 Month CD

Rate Information - This Account is an interest bearing account. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 12 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded annually and will be credited to the account annually.

Balance Information - We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. You must maintain a minimum average daily balance of $1,000.00 to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Limitations - You must deposit $1,000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

Account Fees - The following fee applies to this account: Two Signatures Required : $29.95 per month.

Time Account Information - Your account will mature in 12 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of twelve months interest on the amount withdrawn. This account requires the distribution of interest and does not allow interest to remain in the account. This account will automatically renew. You will have 10 days after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term.

24 Month CD

Rate Information - This Account is an interest bearing account. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 24 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded annually and will be credited to the account annually.

Balance Information - We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. You must maintain a minimum average daily balance of $1,000.00 to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Limitations - You must deposit $1,000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

Account Fees - The following fee applies to this account: Two Signatures Required : $29.95 per month.

Time Account Information - Your account will mature in 24 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of twelve months interest on the amount withdrawn. This account requires the distribution of interest and does not allow interest to remain in the account. This account will automatically renew. You will have 10 days after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term.

36 Month CD

Rate Information - This Account is an interest bearing account. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 36 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded annually and will be credited to the account annually.

Balance Information - We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. You must maintain a minimum average daily balance of $1,000.00 to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Limitations - You must deposit $1,000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

Account Fees - The following fee applies to this account: Two Signatures Required : $29.95 per month.

Time Account Information - Your account will mature in 36 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of twelve months interest on the amount withdrawn. This account requires the distribution of interest and does not allow interest to remain in the account. This account will automatically renew. You will have 10 days after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term.

48 Month CD

Rate Information - This Account is an interest bearing account. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 48 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded annually and will be credited to the account annually.

Balance Information - We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. You must maintain a minimum average daily balance of $1,000.00 to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Limitations - You must deposit $1,000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

Account Fees - The following fee applies to this account: Two Signatures Required : $29.95 per month.

Time Account Information - Your account will mature in 48 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of twelve months interest on the amount withdrawn. This account requires the distribution of interest and does not allow interest to remain in the account. This account will automatically renew. You will have 10 days after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term.

60 Month CD

Rate Information - This Account is an interest bearing account. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 60 months. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded annually and will be credited to the account annually.

Balance Information - We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. You must maintain a minimum average daily balance of $1,000.00 to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Limitations - You must deposit $1,000.00 to open this account. You may not make additional deposits into this account. You may not make withdrawals from your account until the maturity date.

Account Fees - The following fee applies to this account: Two Signatures Required : $29.95 per month.

Time Account Information - Your account will mature in 60 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of twelve months interest on the amount withdrawn. This account requires the distribution of interest and does not allow interest to remain in the account. This account will automatically renew. You will have 10 days after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term.